Home > Cornerstone Community Bank > Performance and Condition Ratios
Cornerstone Community Bank, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7904% | 6,108 |
| Cost of funding earning assets | 0.1137% | 5,907 |
| Net interest margin | 1.6767% | 6,096 |
| Noninterest income to average assets | 0.1795% | 5,511 |
| Noninterest expense to average assets | 1.0086% | 6,122 |
| Loan and lease loss provision to assets | 0.1312% | 1,822 |
| Net operating income to assets | 0.3789% | 5,113 |
| Return on assets (ROA) | 0.3789% | 5,199 |
| Pretax return on assets | 0.6181% | 4,784 |
| Return on Equity (ROE) | 4.0762% | 4,907 |
| Retained earnings to average equity (ytd only) | 4.0762% | 3,101 |
| Net charge-offs to loans | 0.0016% | 4,419 |
| Credit loss provision to net charge-offs | 11,300.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 645.4000% | 99 |
| Efficiency ratio | 56.4523% | 5,305 |
| Assets per employee ($millions) | 4.2337% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1750% | 6,094 |
| Loan loss allowance to noncurrent loans | 123.8938% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.8608% | 2,517 |
| Noncurrent loans to loans | 0.1413% | 4,927 |
| Net loans and leases to total assets | 72.5302% | 1,964 |
| Net loans and leases to deposits | 91.5674% | 1,445 |
| Net loans and leases to core deposits | 97.0607% | 1,751 |
| Total domestic deposits to total assets | 79.2096% | 4,928 |
| Equity capital to assets | 9.2717% | 4,821 |
| Core capital (leverage) ratio | 9.0523% | 4,816 |
| Tier 1 risk-based capital ratio | 11.5292% | 5,234 |
| Total risk-based capital ratio | 11.6918% | 5,720 |
| Memoranda: | ||
| Average total assets | $430,707,600 | 1,550 |
| Average earning assets | $405,443,200 | 1,514 |
| Average equity | $40,036,800 | 1,799 |
| Average total loans | $306,846,800 | 1,444 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6077% | 6,248 |
| Cost of funding earning assets | 0.0356% | 6,211 |
| Net interest margin | 0.5720% | 6,246 |
| Noninterest income to average assets | 0.0299% | 6,140 |
| Noninterest expense to average assets | 0.3524% | 6,259 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1342% | 5,801 |
| Return on assets (ROA) | 0.1342% | 5,844 |
| Pretax return on assets | 0.2170% | 5,767 |
| Return on Equity (ROE) | 1.4424% | 5,788 |
| Retained earnings to average equity (ytd only) | 1.4424% | 5,141 |
| Net charge-offs to loans | -0.0066% | 4,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9076% | 4,750 |
| Assets per employee ($millions) | 4.2099% | 3,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0048% | 6,210 |
| Loan loss allowance to noncurrent loans | 3.6496% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 1.4015% | 1,643 |
| Noncurrent loans to loans | 0.1313% | 5,106 |
| Net loans and leases to total assets | 71.5015% | 2,140 |
| Net loans and leases to deposits | 90.9906% | 1,529 |
| Net loans and leases to core deposits | 95.8771% | 1,899 |
| Total domestic deposits to total assets | 78.5812% | 5,073 |
| Equity capital to assets | 9.0617% | 5,255 |
| Core capital (leverage) ratio | 8.6055% | 5,458 |
| Tier 1 risk-based capital ratio | 10.6937% | 5,802 |
| Total risk-based capital ratio | 10.6979% | 6,129 |
| Memoranda: | ||
| Average total assets | $428,307,250 | 1,566 |
| Average earning assets | $403,941,750 | 1,529 |
| Average equity | $39,840,000 | 1,823 |
| Average total loans | $303,579,250 | 1,461 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5480% | 1,406 |
| Cost of funding earning assets | 0.5971% | 1,436 |
| Net interest margin | 3.9509% | 1,803 |
| Noninterest income to average assets | 0.1510% | 5,804 |
| Noninterest expense to average assets | 2.8655% | 3,014 |
| Loan and lease loss provision to assets | 0.1233% | 1,787 |
| Net operating income to assets | 0.5512% | 4,555 |
| Return on assets (ROA) | 0.5852% | 4,509 |
| Pretax return on assets | 0.9479% | 3,778 |
| Return on Equity (ROE) | 6.2364% | 4,022 |
| Retained earnings to average equity (ytd only) | 0.5214% | 5,345 |
| Net charge-offs to loans | 0.1185% | 1,820 |
| Credit loss provision to net charge-offs | 147.1910% | 1,558 |
| Earnings coverage of net charge-offs (x) | 12.1573% | 2,237 |
| Efficiency ratio | 73.7856% | 2,706 |
| Assets per employee ($millions) | 4.3055% | 3,294 |
| Cash dividends to net income (ytd only)* | 91.6399% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 4,054 |
| Loan loss allowance to noncurrent loans | 402.1348% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 1.8523% | 1,238 |
| Noncurrent loans to loans | 0.2872% | 4,654 |
| Net loans and leases to total assets | 70.4306% | 2,255 |
| Net loans and leases to deposits | 92.2856% | 1,341 |
| Net loans and leases to core deposits | 96.6862% | 1,743 |
| Total domestic deposits to total assets | 76.3181% | 5,555 |
| Equity capital to assets | 9.1499% | 5,084 |
| Core capital (leverage) ratio | 9.4476% | 4,342 |
| Tier 1 risk-based capital ratio | 11.3324% | 5,558 |
| Total risk-based capital ratio | 12.3544% | 5,589 |
| Memoranda: | ||
| Average total assets | $425,133,000 | 1,583 |
| Average earning assets | $401,626,330 | 1,546 |
| Average equity | $39,895,000 | 1,824 |
| Average total loans | $300,415,670 | 1,477 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5895% | 1,246 |
| Cost of funding earning assets | 0.5981% | 1,448 |
| Net interest margin | 3.9913% | 1,587 |
| Noninterest income to average assets | 0.4197% | 3,847 |
| Noninterest expense to average assets | 2.7877% | 3,290 |
| Loan and lease loss provision to assets | 0.3331% | 406 |
| Net operating income to assets | 0.6577% | 4,018 |
| Return on assets (ROA) | 0.6577% | 4,138 |
| Pretax return on assets | 1.0650% | 3,237 |
| Return on Equity (ROE) | 6.9190% | 3,548 |
| Retained earnings to average equity (ytd only) | 2.9639% | 4,194 |
| Net charge-offs to loans | 0.2543% | 946 |
| Credit loss provision to net charge-offs | 186.1702% | 1,099 |
| Earnings coverage of net charge-offs (x) | 7.8138% | 2,136 |
| Efficiency ratio | 66.5985% | 4,053 |
| Assets per employee ($millions) | 4.2126% | 3,544 |
| Cash dividends to net income (ytd only)* | 57.1635% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 3,763 |
| Loan loss allowance to noncurrent loans | 252.2069% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 2.3440% | 940 |
| Noncurrent loans to loans | 0.4898% | 4,110 |
| Net loans and leases to total assets | 68.7176% | 2,330 |
| Net loans and leases to deposits | 87.6490% | 1,655 |
| Net loans and leases to core deposits | 91.0165% | 2,031 |
| Total domestic deposits to total assets | 78.4008% | 5,367 |
| Equity capital to assets | 9.4396% | 4,821 |
| Core capital (leverage) ratio | 9.6100% | 4,135 |
| Tier 1 risk-based capital ratio | 11.8090% | 5,367 |
| Total risk-based capital ratio | 12.8937% | 5,379 |
| Memoranda: | ||
| Average total assets | $420,272,000 | 1,610 |
| Average earning assets | $396,559,500 | 1,574 |
| Average equity | $39,948,000 | 1,833 |
| Average total loans | $295,698,500 | 1,501 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6214% | 1,495 |
| Cost of funding earning assets | 0.7058% | 1,070 |
| Net interest margin | 3.9156% | 2,171 |
| Noninterest income to average assets | 0.0495% | 6,293 |
| Noninterest expense to average assets | 3.0011% | 2,839 |
| Loan and lease loss provision to assets | 0.1225% | 2,137 |
| Net operating income to assets | 0.3557% | 5,364 |
| Return on assets (ROA) | 0.4624% | 5,051 |
| Pretax return on assets | 0.7491% | 4,447 |
| Return on Equity (ROE) | 4.9726% | 4,678 |
| Retained earnings to average equity (ytd only) | 2.9508% | 4,145 |
| Net charge-offs to loans | 0.0759% | 3,405 |
| Credit loss provision to net charge-offs | 230.9417% | 1,089 |
| Earnings coverage of net charge-offs (x) | 13.2870% | 2,278 |
| Efficiency ratio | 80.9759% | 1,773 |
| Assets per employee ($millions) | 3.9910% | 3,974 |
| Cash dividends to net income (ytd only)* | 40.6588% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 4,111 |
| Loan loss allowance to noncurrent loans | 121.9895% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 2.6176% | 860 |
| Noncurrent loans to loans | 0.9700% | 2,897 |
| Net loans and leases to total assets | 70.3182% | 2,189 |
| Net loans and leases to deposits | 94.4694% | 1,037 |
| Net loans and leases to core deposits | 96.5236% | 1,679 |
| Total domestic deposits to total assets | 74.4349% | 5,906 |
| Equity capital to assets | 9.5726% | 4,627 |
| Core capital (leverage) ratio | 9.3756% | 4,426 |
| Tier 1 risk-based capital ratio | 12.3223% | 5,140 |
| Total risk-based capital ratio | 13.4504% | 5,141 |
| Memoranda: | ||
| Average total assets | $420,243,800 | 1,579 |
| Average earning assets | $392,453,600 | 1,556 |
| Average equity | $39,073,800 | 1,810 |
| Average total loans | $293,703,200 | 1,456 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6259% | 1,504 |
| Cost of funding earning assets | 0.7198% | 1,050 |
| Net interest margin | 3.9060% | 2,211 |
| Noninterest income to average assets | 0.0702% | 6,329 |
| Noninterest expense to average assets | 2.9172% | 3,063 |
| Loan and lease loss provision to assets | 0.1629% | 1,528 |
| Net operating income to assets | 0.3827% | 5,312 |
| Return on assets (ROA) | 0.4985% | 4,946 |
| Pretax return on assets | 0.8078% | 4,335 |
| Return on Equity (ROE) | 5.4005% | 4,534 |
| Retained earnings to average equity (ytd only) | 4.0470% | 3,766 |
| Net charge-offs to loans | 0.1109% | 2,692 |
| Credit loss provision to net charge-offs | 211.0656% | 1,220 |
| Earnings coverage of net charge-offs (x) | 10.2335% | 2,569 |
| Efficiency ratio | 78.6945% | 2,089 |
| Assets per employee ($millions) | 3.8179% | 4,253 |
| Cash dividends to net income (ytd only)* | 25.0633% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 4,417 |
| Loan loss allowance to noncurrent loans | 96.5000% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 3.5394% | 598 |
| Noncurrent loans to loans | 1.2065% | 2,629 |
| Net loans and leases to total assets | 71.5247% | 1,932 |
| Net loans and leases to deposits | 93.1990% | 1,105 |
| Net loans and leases to core deposits | 95.6451% | 1,706 |
| Total domestic deposits to total assets | 76.7441% | 5,720 |
| Equity capital to assets | 9.5206% | 4,777 |
| Core capital (leverage) ratio | 9.1937% | 4,799 |
| Tier 1 risk-based capital ratio | 12.0984% | 5,427 |
| Total risk-based capital ratio | 13.2015% | 5,434 |
| Memoranda: | ||
| Average total assets | $421,537,500 | 1,582 |
| Average earning assets | $392,480,250 | 1,564 |
| Average equity | $38,909,000 | 1,826 |
| Average total loans | $293,288,000 | 1,466 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6236% | 1,463 |
| Cost of funding earning assets | 0.7245% | 1,054 |
| Net interest margin | 3.8991% | 2,173 |
| Noninterest income to average assets | 0.1276% | 6,172 |
| Noninterest expense to average assets | 2.8690% | 3,276 |
| Loan and lease loss provision to assets | 0.2426% | 921 |
| Net operating income to assets | 0.3875% | 5,273 |
| Return on assets (ROA) | 0.5087% | 4,870 |
| Pretax return on assets | 0.8252% | 4,179 |
| Return on Equity (ROE) | 5.5680% | 4,403 |
| Retained earnings to average equity (ytd only) | 5.5680% | 2,603 |
| Net charge-offs to loans | 0.2661% | 1,485 |
| Credit loss provision to net charge-offs | 132.7320% | 1,589 |
| Earnings coverage of net charge-offs (x) | 4.8067% | 3,039 |
| Efficiency ratio | 76.5586% | 2,531 |
| Assets per employee ($millions) | 3.8791% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1390% | 4,717 |
| Loan loss allowance to noncurrent loans | 116.7602% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 3.7829% | 594 |
| Noncurrent loans to loans | 0.9755% | 3,285 |
| Net loans and leases to total assets | 68.9929% | 2,238 |
| Net loans and leases to deposits | 87.1576% | 1,686 |
| Net loans and leases to core deposits | 89.5387% | 2,169 |
| Total domestic deposits to total assets | 79.1588% | 5,426 |
| Equity capital to assets | 9.3565% | 4,908 |
| Core capital (leverage) ratio | 8.9646% | 5,073 |
| Tier 1 risk-based capital ratio | 12.1902% | 5,429 |
| Total risk-based capital ratio | 13.2597% | 5,468 |
| Memoranda: | ||
| Average total assets | $424,607,000 | 1,571 |
| Average earning assets | $394,193,000 | 1,555 |
| Average equity | $38,793,330 | 1,822 |
| Average total loans | $291,587,000 | 1,470 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5672% | 1,592 |
| Cost of funding earning assets | 0.7194% | 1,126 |
| Net interest margin | 3.8478% | 2,280 |
| Noninterest income to average assets | 0.1497% | 6,076 |
| Noninterest expense to average assets | 2.8055% | 3,541 |
| Loan and lease loss provision to assets | 0.1544% | 1,574 |
| Net operating income to assets | 0.4695% | 4,841 |
| Return on assets (ROA) | 0.5306% | 4,619 |
| Pretax return on assets | 0.8591% | 3,866 |
| Return on Equity (ROE) | 5.8770% | 4,085 |
| Retained earnings to average equity (ytd only) | 5.8770% | 2,608 |
| Net charge-offs to loans | 0.4904% | 751 |
| Credit loss provision to net charge-offs | 46.2185% | 2,243 |
| Earnings coverage of net charge-offs (x) | 2.7479% | 2,810 |
| Efficiency ratio | 75.3456% | 2,897 |
| Assets per employee ($millions) | 3.9461% | 4,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 5,411 |
| Loan loss allowance to noncurrent loans | 63.0048% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 4.0682% | 569 |
| Noncurrent loans to loans | 1.6313% | 2,385 |
| Net loans and leases to total assets | 68.0325% | 2,217 |
| Net loans and leases to deposits | 84.7236% | 1,750 |
| Net loans and leases to core deposits | 86.9631% | 2,198 |
| Total domestic deposits to total assets | 80.2994% | 5,425 |
| Equity capital to assets | 9.1712% | 4,908 |
| Core capital (leverage) ratio | 8.8724% | 5,167 |
| Tier 1 risk-based capital ratio | 12.1334% | 5,552 |
| Total risk-based capital ratio | 13.1085% | 5,658 |
| Memoranda: | ||
| Average total assets | $427,440,500 | 1,574 |
| Average earning assets | $397,006,000 | 1,553 |
| Average equity | $38,591,000 | 1,824 |
| Average total loans | $291,196,000 | 1,475 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6700% | 1,655 |
| Cost of funding earning assets | 0.8790% | 822 |
| Net interest margin | 3.7910% | 2,683 |
| Noninterest income to average assets | 0.1511% | 6,185 |
| Noninterest expense to average assets | 2.9989% | 3,059 |
| Loan and lease loss provision to assets | 0.0696% | 3,733 |
| Net operating income to assets | 0.3410% | 5,374 |
| Return on assets (ROA) | 0.4379% | 5,125 |
| Pretax return on assets | 0.7096% | 4,507 |
| Return on Equity (ROE) | 5.0077% | 4,630 |
| Retained earnings to average equity (ytd only) | 5.0077% | 2,589 |
| Net charge-offs to loans | 1.1571% | 464 |
| Credit loss provision to net charge-offs | 9.2650% | 4,593 |
| Earnings coverage of net charge-offs (x) | 0.8357% | 4,808 |
| Efficiency ratio | 82.6871% | 1,787 |
| Assets per employee ($millions) | 4.0066% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 5,115 |
| Loan loss allowance to noncurrent loans | 89.8205% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 3.8470% | 705 |
| Noncurrent loans to loans | 1.2320% | 3,080 |
| Net loans and leases to total assets | 66.7684% | 2,560 |
| Net loans and leases to deposits | 83.7773% | 1,967 |
| Net loans and leases to core deposits | 86.0038% | 2,445 |
| Total domestic deposits to total assets | 79.6975% | 5,511 |
| Equity capital to assets | 8.8864% | 5,161 |
| Core capital (leverage) ratio | 8.5689% | 5,581 |
| Tier 1 risk-based capital ratio | 11.7753% | 5,762 |
| Total risk-based capital ratio | 12.8190% | 5,811 |
| Memoranda: | ||
| Average total assets | $430,960,000 | 1,535 |
| Average earning assets | $395,115,800 | 1,530 |
| Average equity | $37,681,600 | 1,846 |
| Average total loans | $279,845,000 | 1,510 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7124% | 1,564 |
| Cost of funding earning assets | 0.9158% | 755 |
| Net interest margin | 3.7966% | 2,651 |
| Noninterest income to average assets | 0.2323% | 5,774 |
| Noninterest expense to average assets | 3.0171% | 2,933 |
| Loan and lease loss provision to assets | 0.0927% | 3,222 |
| Net operating income to assets | 0.3624% | 5,397 |
| Return on assets (ROA) | 0.4465% | 5,179 |
| Pretax return on assets | 0.7236% | 4,596 |
| Return on Equity (ROE) | 5.1270% | 4,661 |
| Retained earnings to average equity (ytd only) | 5.1270% | 2,987 |
| Net charge-offs to loans | 1.5772% | 275 |
| Credit loss provision to net charge-offs | 9.1408% | 4,224 |
| Earnings coverage of net charge-offs (x) | 0.6755% | 4,623 |
| Efficiency ratio | 81.4972% | 1,899 |
| Assets per employee ($millions) | 3.9460% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 5,279 |
| Loan loss allowance to noncurrent loans | 77.1240% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 4.4631% | 682 |
| Noncurrent loans to loans | 1.4413% | 3,001 |
| Net loans and leases to total assets | 65.9422% | 2,652 |
| Net loans and leases to deposits | 82.3153% | 2,099 |
| Net loans and leases to core deposits | 84.6189% | 2,581 |
| Total domestic deposits to total assets | 80.1093% | 5,475 |
| Equity capital to assets | 8.8536% | 5,354 |
| Core capital (leverage) ratio | 8.4537% | 5,811 |
| Tier 1 risk-based capital ratio | 11.7246% | 5,938 |
| Total risk-based capital ratio | 12.7519% | 6,020 |
| Memoranda: | ||
| Average total assets | $431,524,750 | 1,545 |
| Average earning assets | $394,381,000 | 1,545 |
| Average equity | $37,578,000 | 1,859 |
| Average total loans | $277,446,250 | 1,520 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6468% | 1,707 |
| Cost of funding earning assets | 0.9365% | 756 |
| Net interest margin | 3.7103% | 2,915 |
| Noninterest income to average assets | 0.2262% | 5,827 |
| Noninterest expense to average assets | 2.9092% | 3,298 |
| Loan and lease loss provision to assets | 0.1385% | 2,597 |
| Net operating income to assets | 0.3420% | 5,436 |
| Return on assets (ROA) | 0.4676% | 5,117 |
| Pretax return on assets | 0.7574% | 4,477 |
| Return on Equity (ROE) | 5.3988% | 4,517 |
| Retained earnings to average equity (ytd only) | 5.3988% | 2,813 |
| Net charge-offs to loans | 0.9782% | 626 |
| Credit loss provision to net charge-offs | 22.2883% | 3,692 |
| Earnings coverage of net charge-offs (x) | 1.1263% | 4,160 |
| Efficiency ratio | 80.6113% | 2,077 |
| Assets per employee ($millions) | 4.1120% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8456% | 2,275 |
| Loan loss allowance to noncurrent loans | 86.8861% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 5.7280% | 492 |
| Noncurrent loans to loans | 2.1242% | 2,254 |
| Net loans and leases to total assets | 62.7591% | 3,145 |
| Net loans and leases to deposits | 79.6667% | 2,373 |
| Net loans and leases to core deposits | 81.8379% | 2,816 |
| Total domestic deposits to total assets | 78.7772% | 5,836 |
| Equity capital to assets | 8.6785% | 5,579 |
| Core capital (leverage) ratio | 8.4184% | 5,753 |
| Tier 1 risk-based capital ratio | 11.8525% | 5,880 |
| Total risk-based capital ratio | 13.1002% | 5,837 |
| Memoranda: | ||
| Average total assets | $433,311,670 | 1,539 |
| Average earning assets | $395,067,670 | 1,543 |
| Average equity | $37,527,000 | 1,869 |
| Average total loans | $275,201,330 | 1,535 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6597% | 1,654 |
| Cost of funding earning assets | 0.9483% | 790 |
| Net interest margin | 3.7113% | 2,808 |
| Noninterest income to average assets | 0.5372% | 3,519 |
| Noninterest expense to average assets | 2.8943% | 3,366 |
| Loan and lease loss provision to assets | 0.2764% | 1,275 |
| Net operating income to assets | 0.4598% | 4,871 |
| Return on assets (ROA) | 0.4598% | 5,035 |
| Pretax return on assets | 0.7455% | 4,394 |
| Return on Equity (ROE) | 5.3148% | 4,393 |
| Retained earnings to average equity (ytd only) | 5.3148% | 3,046 |
| Net charge-offs to loans | 1.1238% | 531 |
| Credit loss provision to net charge-offs | 38.8601% | 2,763 |
| Earnings coverage of net charge-offs (x) | 1.4365% | 3,351 |
| Efficiency ratio | 73.9059% | 3,282 |
| Assets per employee ($millions) | 4.1166% | 3,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0800% | 1,844 |
| Loan loss allowance to noncurrent loans | 89.0792% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 6.4286% | 470 |
| Noncurrent loans to loans | 2.3350% | 2,243 |
| Net loans and leases to total assets | 62.3363% | 2,993 |
| Net loans and leases to deposits | 78.8987% | 2,226 |
| Net loans and leases to core deposits | 80.9847% | 2,699 |
| Total domestic deposits to total assets | 79.0081% | 5,959 |
| Equity capital to assets | 8.8043% | 5,706 |
| Core capital (leverage) ratio | 8.5614% | 5,494 |
| Tier 1 risk-based capital ratio | 12.0673% | 5,874 |
| Total risk-based capital ratio | 13.3249% | 5,824 |
| Memoranda: | ||
| Average total assets | $434,089,000 | 1,549 |
| Average earning assets | $395,222,500 | 1,553 |
| Average equity | $37,555,500 | 1,885 |
| Average total loans | $274,771,000 | 1,548 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0212% | 1,501 |
| Cost of funding earning assets | 1.1973% | 591 |
| Net interest margin | 3.8239% | 3,129 |
| Noninterest income to average assets | 0.2877% | 5,408 |
| Noninterest expense to average assets | 3.0476% | 3,102 |
| Loan and lease loss provision to assets | 0.1012% | 4,372 |
| Net operating income to assets | 0.4182% | 5,015 |
| Return on assets (ROA) | 0.4182% | 5,278 |
| Pretax return on assets | 0.6091% | 4,971 |
| Return on Equity (ROE) | 4.8862% | 4,731 |
| Retained earnings to average equity (ytd only) | 4.8862% | 2,778 |
| Net charge-offs to loans | 0.6271% | 1,870 |
| Credit loss provision to net charge-offs | 25.4890% | 5,194 |
| Earnings coverage of net charge-offs (x) | 1.7884% | 4,538 |
| Efficiency ratio | 81.0977% | 1,999 |
| Assets per employee ($millions) | 4.1909% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2170% | 1,531 |
| Loan loss allowance to noncurrent loans | 102.2648% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 5.9778% | 581 |
| Noncurrent loans to loans | 2.1679% | 2,503 |
| Net loans and leases to total assets | 61.5505% | 3,326 |
| Net loans and leases to deposits | 78.0015% | 2,532 |
| Net loans and leases to core deposits | 79.8857% | 3,024 |
| Total domestic deposits to total assets | 78.9093% | 5,907 |
| Equity capital to assets | 8.5030% | 6,052 |
| Core capital (leverage) ratio | 8.3711% | 5,797 |
| Tier 1 risk-based capital ratio | 11.6510% | 5,995 |
| Total risk-based capital ratio | 12.9106% | 5,949 |
| Memoranda: | ||
| Average total assets | $424,725,200 | 1,545 |
| Average earning assets | $385,447,400 | 1,562 |
| Average equity | $36,347,600 | 1,906 |
| Average total loans | $269,022,800 | 1,544 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9561% | 1,813 |
| Cost of funding earning assets | 1.2472% | 558 |
| Net interest margin | 3.7089% | 3,760 |
| Noninterest income to average assets | 0.2439% | 5,803 |
| Noninterest expense to average assets | 2.9711% | 3,335 |
| Loan and lease loss provision to assets | 0.0317% | 5,381 |
| Net operating income to assets | 0.4143% | 5,187 |
| Return on assets (ROA) | 0.4143% | 5,417 |
| Pretax return on assets | 0.6022% | 5,159 |
| Return on Equity (ROE) | 4.8336% | 4,901 |
| Retained earnings to average equity (ytd only) | 4.8336% | 3,483 |
| Net charge-offs to loans | 1.1075% | 915 |
| Credit loss provision to net charge-offs | 4.5086% | 5,133 |
| Earnings coverage of net charge-offs (x) | 0.9022% | 4,880 |
| Efficiency ratio | 82.4165% | 1,762 |
| Assets per employee ($millions) | 4.1198% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9283% | 2,394 |
| Loan loss allowance to noncurrent loans | 66.2484% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 7.1421% | 499 |
| Noncurrent loans to loans | 2.9107% | 1,915 |
| Net loans and leases to total assets | 63.2837% | 3,159 |
| Net loans and leases to deposits | 80.9997% | 2,250 |
| Net loans and leases to core deposits | 82.8804% | 2,846 |
| Total domestic deposits to total assets | 78.1283% | 6,048 |
| Equity capital to assets | 8.7019% | 6,101 |
| Core capital (leverage) ratio | 8.3038% | 6,002 |
| Tier 1 risk-based capital ratio | 11.5852% | 6,177 |
| Total risk-based capital ratio | 12.8417% | 6,152 |
| Memoranda: | ||
| Average total assets | $420,894,750 | 1,579 |
| Average earning assets | $381,417,000 | 1,585 |
| Average equity | $36,080,250 | 1,938 |
| Average total loans | $267,030,500 | 1,561 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9631% | 1,893 |
| Cost of funding earning assets | 1.2787% | 577 |
| Net interest margin | 3.6843% | 3,903 |
| Noninterest income to average assets | 0.2011% | 6,119 |
| Noninterest expense to average assets | 2.9399% | 3,474 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4141% | 5,166 |
| Return on assets (ROA) | 0.4141% | 5,394 |
| Pretax return on assets | 0.6013% | 5,128 |
| Return on Equity (ROE) | 4.8550% | 4,871 |
| Retained earnings to average equity (ytd only) | 4.8550% | 3,366 |
| Net charge-offs to loans | 1.0341% | 1,062 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.9218% | 4,576 |
| Efficiency ratio | 83.0194% | 1,743 |
| Assets per employee ($millions) | 3.9260% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2859% | 1,609 |
| Loan loss allowance to noncurrent loans | 84.6294% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 6.9475% | 571 |
| Noncurrent loans to loans | 2.7011% | 2,225 |
| Net loans and leases to total assets | 61.3502% | 3,564 |
| Net loans and leases to deposits | 79.5474% | 2,449 |
| Net loans and leases to core deposits | 81.4979% | 3,023 |
| Total domestic deposits to total assets | 77.1241% | 6,306 |
| Equity capital to assets | 8.6591% | 6,066 |
| Core capital (leverage) ratio | 8.2357% | 6,005 |
| Tier 1 risk-based capital ratio | 11.8520% | 6,028 |
| Total risk-based capital ratio | 13.1125% | 5,990 |
| Memoranda: | ||
| Average total assets | $419,745,330 | 1,582 |
| Average earning assets | $380,529,000 | 1,589 |
| Average equity | $35,798,330 | 1,936 |
| Average total loans | $264,767,330 | 1,577 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8560% | 2,418 |
| Cost of funding earning assets | 1.3240% | 573 |
| Net interest margin | 3.5320% | 4,563 |
| Noninterest income to average assets | 0.3146% | 5,351 |
| Noninterest expense to average assets | 2.9105% | 3,584 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4195% | 5,169 |
| Return on assets (ROA) | 0.4195% | 5,362 |
| Pretax return on assets | 0.6111% | 5,080 |
| Return on Equity (ROE) | 4.9564% | 4,807 |
| Retained earnings to average equity (ytd only) | 4.9564% | 3,581 |
| Net charge-offs to loans | 2.0718% | 445 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.4665% | 4,111 |
| Efficiency ratio | 82.6475% | 1,855 |
| Assets per employee ($millions) | 3.8171% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2923% | 1,687 |
| Loan loss allowance to noncurrent loans | 55.9487% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 7.1440% | 587 |
| Noncurrent loans to loans | 4.0972% | 1,481 |
| Net loans and leases to total assets | 61.7120% | 3,315 |
| Net loans and leases to deposits | 80.7657% | 2,090 |
| Net loans and leases to core deposits | 82.9164% | 2,702 |
| Total domestic deposits to total assets | 76.4087% | 6,498 |
| Equity capital to assets | 8.5830% | 6,006 |
| Core capital (leverage) ratio | 8.1356% | 6,110 |
| Tier 1 risk-based capital ratio | 11.7287% | 6,142 |
| Total risk-based capital ratio | 12.9898% | 6,114 |
| Memoranda: | ||
| Average total assets | $419,578,000 | 1,586 |
| Average earning assets | $380,972,000 | 1,591 |
| Average equity | $35,510,000 | 1,952 |
| Average total loans | $265,276,500 | 1,576 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1585% | 2,226 |
| Cost of funding earning assets | 1.5463% | 595 |
| Net interest margin | 3.6122% | 4,682 |
| Noninterest income to average assets | 0.0705% | 6,749 |
| Noninterest expense to average assets | 2.8766% | 4,051 |
| Loan and lease loss provision to assets | 0.1022% | 5,310 |
| Net operating income to assets | 0.2997% | 5,253 |
| Return on assets (ROA) | 0.3186% | 5,342 |
| Pretax return on assets | 0.4128% | 5,253 |
| Return on Equity (ROE) | 4.5622% | 4,592 |
| Retained earnings to average equity (ytd only) | 4.5622% | 2,931 |
| Net charge-offs to loans | 0.7968% | 2,165 |
| Credit loss provision to net charge-offs | 20.4222% | 5,915 |
| Earnings coverage of net charge-offs (x) | 0.9798% | 5,059 |
| Efficiency ratio | 85.4336% | 1,629 |
| Assets per employee ($millions) | 3.8815% | 4,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7629% | 1,023 |
| Loan loss allowance to noncurrent loans | 93.8594% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 6.2413% | 769 |
| Noncurrent loans to loans | 2.9436% | 2,211 |
| Net loans and leases to total assets | 61.5397% | 3,687 |
| Net loans and leases to deposits | 82.0152% | 2,193 |
| Net loans and leases to core deposits | 84.3846% | 2,838 |
| Total domestic deposits to total assets | 75.0345% | 6,603 |
| Equity capital to assets | 8.3455% | 6,306 |
| Core capital (leverage) ratio | 8.0395% | 6,215 |
| Tier 1 risk-based capital ratio | 11.7282% | 6,006 |
| Total risk-based capital ratio | 12.9949% | 5,982 |
| Memoranda: | ||
| Average total assets | $435,308,400 | 1,496 |
| Average earning assets | $397,270,200 | 1,500 |
| Average equity | $30,402,200 | 2,163 |
| Average total loans | $273,466,400 | 1,548 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1557% | 2,362 |
| Cost of funding earning assets | 1.5893% | 610 |
| Net interest margin | 3.5664% | 4,916 |
| Noninterest income to average assets | 0.0578% | 6,924 |
| Noninterest expense to average assets | 2.8122% | 4,297 |
| Loan and lease loss provision to assets | 0.0441% | 5,887 |
| Net operating income to assets | 0.3436% | 5,235 |
| Return on assets (ROA) | 0.3677% | 5,319 |
| Pretax return on assets | 0.4936% | 5,185 |
| Return on Equity (ROE) | 5.5250% | 4,270 |
| Retained earnings to average equity (ytd only) | 5.5250% | 2,845 |
| Net charge-offs to loans | 1.1704% | 1,343 |
| Credit loss provision to net charge-offs | 6.0091% | 5,697 |
| Earnings coverage of net charge-offs (x) | 0.6884% | 5,108 |
| Efficiency ratio | 84.7712% | 1,655 |
| Assets per employee ($millions) | 3.8641% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5385% | 1,340 |
| Loan loss allowance to noncurrent loans | 80.1869% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 6.3086% | 830 |
| Noncurrent loans to loans | 3.1657% | 2,194 |
| Net loans and leases to total assets | 62.0006% | 3,722 |
| Net loans and leases to deposits | 80.5943% | 2,579 |
| Net loans and leases to core deposits | 83.2463% | 3,156 |
| Total domestic deposits to total assets | 76.9293% | 6,384 |
| Equity capital to assets | 7.1963% | 7,016 |
| Core capital (leverage) ratio | 6.6463% | 7,042 |
| Tier 1 risk-based capital ratio | 9.8608% | 6,990 |
| Total risk-based capital ratio | 11.1250% | 6,975 |
| Memoranda: | ||
| Average total assets | $438,363,500 | 1,501 |
| Average earning assets | $400,659,000 | 1,505 |
| Average equity | $29,175,500 | 2,258 |
| Average total loans | $274,891,750 | 1,558 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1295% | 2,548 |
| Cost of funding earning assets | 1.6397% | 593 |
| Net interest margin | 3.4899% | 5,206 |
| Noninterest income to average assets | -0.0565% | 7,258 |
| Noninterest expense to average assets | 2.7990% | 4,423 |
| Loan and lease loss provision to assets | 0.0136% | 6,108 |
| Net operating income to assets | 0.2559% | 5,537 |
| Return on assets (ROA) | 0.2733% | 5,597 |
| Pretax return on assets | 0.3415% | 5,570 |
| Return on Equity (ROE) | 4.2153% | 4,828 |
| Retained earnings to average equity (ytd only) | 4.2153% | 3,518 |
| Net charge-offs to loans | 1.6991% | 846 |
| Credit loss provision to net charge-offs | 1.2777% | 5,328 |
| Earnings coverage of net charge-offs (x) | 0.3143% | 5,076 |
| Efficiency ratio | 89.3583% | 1,292 |
| Assets per employee ($millions) | 3.8962% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5221% | 1,413 |
| Loan loss allowance to noncurrent loans | 94.2071% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 6.1986% | 888 |
| Noncurrent loans to loans | 2.6772% | 2,719 |
| Net loans and leases to total assets | 59.8166% | 4,305 |
| Net loans and leases to deposits | 78.0842% | 3,109 |
| Net loans and leases to core deposits | 81.8662% | 3,518 |
| Total domestic deposits to total assets | 76.6053% | 6,508 |
| Equity capital to assets | 6.6947% | 7,155 |
| Core capital (leverage) ratio | 6.0938% | 7,181 |
| Tier 1 risk-based capital ratio | 9.3863% | 7,123 |
| Total risk-based capital ratio | 10.6501% | 7,120 |
| Memoranda: | ||
| Average total assets | $442,800,000 | 1,496 |
| Average earning assets | $404,598,330 | 1,503 |
| Average equity | $28,704,670 | 2,266 |
| Average total loans | $276,389,000 | 1,569 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1372% | 2,484 |
| Cost of funding earning assets | 1.6609% | 650 |
| Net interest margin | 3.4763% | 5,115 |
| Noninterest income to average assets | 0.0640% | 7,071 |
| Noninterest expense to average assets | 2.8266% | 4,345 |
| Loan and lease loss provision to assets | 0.0135% | 5,743 |
| Net operating income to assets | 0.3090% | 5,365 |
| Return on assets (ROA) | 0.3090% | 5,436 |
| Pretax return on assets | 0.4044% | 5,330 |
| Return on Equity (ROE) | 4.8447% | 4,480 |
| Retained earnings to average equity (ytd only) | 4.8447% | 3,282 |
| Net charge-offs to loans | 1.7646% | 744 |
| Credit loss provision to net charge-offs | 1.2165% | 4,467 |
| Earnings coverage of net charge-offs (x) | 0.3763% | 4,337 |
| Efficiency ratio | 87.1183% | 1,603 |
| Assets per employee ($millions) | 3.9917% | 3,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8910% | 1,018 |
| Loan loss allowance to noncurrent loans | 126.2000% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 5.9801% | 972 |
| Noncurrent loans to loans | 2.2908% | 3,207 |
| Net loans and leases to total assets | 59.4620% | 4,374 |
| Net loans and leases to deposits | 78.3839% | 2,995 |
| Net loans and leases to core deposits | 84.7075% | 3,068 |
| Total domestic deposits to total assets | 75.8600% | 6,689 |
| Equity capital to assets | 6.4118% | 7,233 |
| Core capital (leverage) ratio | 6.1285% | 7,229 |
| Tier 1 risk-based capital ratio | 9.2061% | 7,198 |
| Total risk-based capital ratio | 10.4564% | 7,200 |
| Memoranda: | ||
| Average total assets | $444,063,000 | 1,506 |
| Average earning assets | $406,295,000 | 1,500 |
| Average equity | $28,319,500 | 2,282 |
| Average total loans | $279,498,000 | 1,567 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3701% | 2,809 |
| Cost of funding earning assets | 1.8953% | 855 |
| Net interest margin | 3.4748% | 5,345 |
| Noninterest income to average assets | 0.0053% | 7,267 |
| Noninterest expense to average assets | 2.7095% | 4,944 |
| Loan and lease loss provision to assets | 1.4405% | 1,034 |
| Net operating income to assets | -0.5581% | 6,422 |
| Return on assets (ROA) | -0.3434% | 6,285 |
| Pretax return on assets | -0.5919% | 6,393 |
| Return on Equity (ROE) | -5.7276% | 6,482 |
| Retained earnings to average equity (ytd only) | -5.7276% | 6,360 |
| Net charge-offs to loans | 1.3038% | 1,712 |
| Credit loss provision to net charge-offs | 179.4045% | 1,843 |
| Earnings coverage of net charge-offs (x) | 0.6390% | 5,471 |
| Efficiency ratio | 84.0782% | 1,910 |
| Assets per employee ($millions) | 3.9380% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2014% | 734 |
| Loan loss allowance to noncurrent loans | 66.9845% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 5.9609% | 1,003 |
| Noncurrent loans to loans | 4.7794% | 1,445 |
| Net loans and leases to total assets | 62.6027% | 4,149 |
| Net loans and leases to deposits | 81.7612% | 2,859 |
| Net loans and leases to core deposits | 88.5393% | 2,974 |
| Total domestic deposits to total assets | 76.5678% | 6,554 |
| Equity capital to assets | 6.3425% | 7,285 |
| Core capital (leverage) ratio | 5.7531% | 7,338 |
| Tier 1 risk-based capital ratio | 8.7982% | 7,276 |
| Total risk-based capital ratio | 10.0593% | 7,285 |
| Memoranda: | ||
| Average total assets | $506,135,800 | 1,322 |
| Average earning assets | $468,634,200 | 1,307 |
| Average equity | $30,344,400 | 2,150 |
| Average total loans | $311,700,000 | 1,440 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4287% | 2,749 |
| Cost of funding earning assets | 1.9359% | 913 |
| Net interest margin | 3.4928% | 5,321 |
| Noninterest income to average assets | 0.0934% | 7,076 |
| Noninterest expense to average assets | 2.6423% | 5,144 |
| Loan and lease loss provision to assets | 0.8068% | 1,881 |
| Net operating income to assets | -0.0841% | 6,165 |
| Return on assets (ROA) | 0.2236% | 5,597 |
| Pretax return on assets | 0.3157% | 5,460 |
| Return on Equity (ROE) | 3.7753% | 4,883 |
| Retained earnings to average equity (ytd only) | 3.7753% | 3,807 |
| Net charge-offs to loans | 1.1707% | 1,743 |
| Credit loss provision to net charge-offs | 113.0948% | 3,716 |
| Earnings coverage of net charge-offs (x) | 0.9660% | 5,099 |
| Efficiency ratio | 79.3151% | 2,448 |
| Assets per employee ($millions) | 4.3677% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1473% | 1,897 |
| Loan loss allowance to noncurrent loans | 61.4563% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 4.8594% | 1,342 |
| Noncurrent loans to loans | 3.4940% | 2,270 |
| Net loans and leases to total assets | 59.4811% | 5,007 |
| Net loans and leases to deposits | 80.9224% | 3,285 |
| Net loans and leases to core deposits | 88.6729% | 3,290 |
| Total domestic deposits to total assets | 73.5038% | 6,989 |
| Equity capital to assets | 6.6059% | 7,412 |
| Core capital (leverage) ratio | 6.2257% | 7,400 |
| Tier 1 risk-based capital ratio | 9.8534% | 7,135 |
| Total risk-based capital ratio | 11.1132% | 7,127 |
| Memoranda: | ||
| Average total assets | $522,405,000 | 1,289 |
| Average earning assets | $484,304,500 | 1,286 |
| Average equity | $30,937,000 | 2,138 |
| Average total loans | $318,313,250 | 1,424 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5486% | 2,333 |
| Cost of funding earning assets | 1.9798% | 956 |
| Net interest margin | 3.5688% | 4,953 |
| Noninterest income to average assets | 0.2006% | 6,471 |
| Noninterest expense to average assets | 2.5082% | 5,691 |
| Loan and lease loss provision to assets | 0.9247% | 1,578 |
| Net operating income to assets | 0.0517% | 5,985 |
| Return on assets (ROA) | 0.2211% | 5,625 |
| Pretax return on assets | 0.3125% | 5,464 |
| Return on Equity (ROE) | 3.8670% | 4,837 |
| Retained earnings to average equity (ytd only) | 3.8670% | 3,628 |
| Net charge-offs to loans | 0.8671% | 2,098 |
| Credit loss provision to net charge-offs | 174.8942% | 2,238 |
| Earnings coverage of net charge-offs (x) | 1.8886% | 4,106 |
| Efficiency ratio | 71.5258% | 3,896 |
| Assets per employee ($millions) | 4.6478% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1854% | 1,793 |
| Loan loss allowance to noncurrent loans | 53.1629% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 4.4124% | 1,507 |
| Noncurrent loans to loans | 4.1108% | 1,826 |
| Net loans and leases to total assets | 59.9030% | 5,076 |
| Net loans and leases to deposits | 77.6474% | 4,056 |
| Net loans and leases to core deposits | 85.6125% | 3,887 |
| Total domestic deposits to total assets | 77.1474% | 6,462 |
| Equity capital to assets | 6.0650% | 7,529 |
| Core capital (leverage) ratio | 5.7773% | 7,514 |
| Tier 1 risk-based capital ratio | 9.2149% | 7,369 |
| Total risk-based capital ratio | 10.4755% | 7,361 |
| Memoranda: | ||
| Average total assets | $536,391,000 | 1,272 |
| Average earning assets | $496,920,670 | 1,260 |
| Average equity | $30,670,000 | 2,151 |
| Average total loans | $327,069,000 | 1,399 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6417% | 1,981 |
| Cost of funding earning assets | 1.9888% | 1,134 |
| Net interest margin | 3.6528% | 4,477 |
| Noninterest income to average assets | 0.2197% | 6,390 |
| Noninterest expense to average assets | 2.3501% | 6,248 |
| Loan and lease loss provision to assets | 0.7459% | 1,704 |
| Net operating income to assets | 0.3373% | 5,130 |
| Return on assets (ROA) | 0.3476% | 5,212 |
| Pretax return on assets | 0.5188% | 4,898 |
| Return on Equity (ROE) | 6.2610% | 3,744 |
| Retained earnings to average equity (ytd only) | 6.2610% | 2,488 |
| Net charge-offs to loans | 0.1932% | 3,760 |
| Credit loss provision to net charge-offs | 634.3750% | 686 |
| Earnings coverage of net charge-offs (x) | 10.6250% | 1,726 |
| Efficiency ratio | 65.2920% | 5,255 |
| Assets per employee ($millions) | 4.9915% | 2,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0740% | 2,005 |
| Loan loss allowance to noncurrent loans | 79.8205% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 2.9888% | 2,404 |
| Noncurrent loans to loans | 2.5983% | 3,070 |
| Net loans and leases to total assets | 57.0949% | 5,587 |
| Net loans and leases to deposits | 74.1922% | 4,710 |
| Net loans and leases to core deposits | 82.6280% | 4,401 |
| Total domestic deposits to total assets | 76.9555% | 6,570 |
| Equity capital to assets | 5.4820% | 7,677 |
| Core capital (leverage) ratio | 5.6427% | 7,630 |
| Tier 1 risk-based capital ratio | 8.7640% | 7,521 |
| Total risk-based capital ratio | 10.0140% | 7,548 |
| Memoranda: | ||
| Average total assets | $544,308,000 | 1,285 |
| Average earning assets | $503,609,500 | 1,268 |
| Average equity | $30,219,000 | 2,204 |
| Average total loans | $331,205,500 | 1,418 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7653% | 2,800 |
| Cost of funding earning assets | 2.4181% | 1,246 |
| Net interest margin | 3.3472% | 5,561 |
| Noninterest income to average assets | 0.0291% | 7,595 |
| Noninterest expense to average assets | 2.6642% | 5,537 |
| Loan and lease loss provision to assets | 3.0553% | 563 |
| Net operating income to assets | -1.5628% | 6,894 |
| Return on assets (ROA) | -1.5103% | 6,871 |
| Pretax return on assets | -2.4979% | 7,141 |
| Return on Equity (ROE) | -21.9178% | 7,207 |
| Retained earnings to average equity (ytd only) | -25.4255% | 7,274 |
| Net charge-offs to loans | 5.1376% | 241 |
| Credit loss provision to net charge-offs | 80.1365% | 6,277 |
| Earnings coverage of net charge-offs (x) | 0.1247% | 6,037 |
| Efficiency ratio | 84.8568% | 2,253 |
| Assets per employee ($millions) | 4.7709% | 2,515 |
| Cash dividends to net income (ytd only)* | -16.0043% | 7,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7550% | 2,690 |
| Loan loss allowance to noncurrent loans | 80.2419% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 3.3397% | 2,044 |
| Noncurrent loans to loans | 2.1872% | 3,405 |
| Net loans and leases to total assets | 62.4203% | 4,907 |
| Net loans and leases to deposits | 81.5464% | 3,686 |
| Net loans and leases to core deposits | 105.1734% | 3,440 |
| Total domestic deposits to total assets | 76.5458% | 6,578 |
| Equity capital to assets | 5.6255% | 7,715 |
| Core capital (leverage) ratio | 6.1379% | 7,601 |
| Tier 1 risk-based capital ratio | 8.2677% | 7,617 |
| Total risk-based capital ratio | 9.5226% | 7,632 |
| Memoranda: | ||
| Average total assets | $488,169,800 | 1,418 |
| Average earning assets | $453,665,000 | 1,390 |
| Average equity | $33,639,400 | 1,995 |
| Average total loans | $362,270,400 | 1,328 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8554% | 2,645 |
| Cost of funding earning assets | 2.4805% | 1,364 |
| Net interest margin | 3.3750% | 5,364 |
| Noninterest income to average assets | 0.1976% | 6,805 |
| Noninterest expense to average assets | 2.5367% | 5,947 |
| Loan and lease loss provision to assets | 3.0038% | 490 |
| Net operating income to assets | -1.3279% | 7,024 |
| Return on assets (ROA) | -1.2573% | 6,998 |
| Pretax return on assets | -2.0892% | 7,218 |
| Return on Equity (ROE) | -17.3630% | 7,286 |
| Retained earnings to average equity (ytd only) | -21.9099% | 7,407 |
| Net charge-offs to loans | 4.6892% | 261 |
| Credit loss provision to net charge-offs | 83.0120% | 5,677 |
| Earnings coverage of net charge-offs (x) | 0.2223% | 5,797 |
| Efficiency ratio | 75.9228% | 3,528 |
| Assets per employee ($millions) | 4.5584% | 2,765 |
| Cash dividends to net income (ytd only)* | -26.1872% | 7,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1195% | 1,564 |
| Loan loss allowance to noncurrent loans | 90.8957% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 3.1294% | 2,183 |
| Noncurrent loans to loans | 2.3318% | 3,225 |
| Net loans and leases to total assets | 67.5230% | 4,063 |
| Net loans and leases to deposits | 88.4726% | 2,870 |
| Net loans and leases to core deposits | 115.1751% | 2,705 |
| Total domestic deposits to total assets | 76.3208% | 6,521 |
| Equity capital to assets | 6.5637% | 7,748 |
| Core capital (leverage) ratio | 6.7117% | 7,580 |
| Tier 1 risk-based capital ratio | 8.6858% | 7,712 |
| Total risk-based capital ratio | 9.9450% | 7,741 |
| Memoranda: | ||
| Average total assets | $477,820,250 | 1,464 |
| Average earning assets | $445,067,250 | 1,430 |
| Average equity | $34,601,500 | 1,963 |
| Average total loans | $368,722,250 | 1,320 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0173% | 2,116 |
| Cost of funding earning assets | 2.5500% | 1,450 |
| Net interest margin | 3.4673% | 4,944 |
| Noninterest income to average assets | 0.2237% | 6,692 |
| Noninterest expense to average assets | 2.5152% | 6,072 |
| Loan and lease loss provision to assets | 3.1488% | 468 |
| Net operating income to assets | -1.3403% | 7,180 |
| Return on assets (ROA) | -1.2326% | 7,140 |
| Pretax return on assets | -2.0396% | 7,299 |
| Return on Equity (ROE) | -16.4666% | 7,399 |
| Retained earnings to average equity (ytd only) | -23.1969% | 7,555 |
| Net charge-offs to loans | 5.1130% | 240 |
| Credit loss provision to net charge-offs | 76.8710% | 5,285 |
| Earnings coverage of net charge-offs (x) | 0.2297% | 5,442 |
| Efficiency ratio | 72.7733% | 4,253 |
| Assets per employee ($millions) | 4.4342% | 2,868 |
| Cash dividends to net income (ytd only)* | -40.8729% | 7,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0473% | 1,482 |
| Loan loss allowance to noncurrent loans | 54.9085% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 3.9529% | 1,513 |
| Noncurrent loans to loans | 3.7286% | 1,863 |
| Net loans and leases to total assets | 76.5964% | 2,036 |
| Net loans and leases to deposits | 104.6924% | 859 |
| Net loans and leases to core deposits | 129.7903% | 1,588 |
| Total domestic deposits to total assets | 73.1633% | 7,085 |
| Equity capital to assets | 7.4987% | 7,266 |
| Core capital (leverage) ratio | 7.5640% | 6,944 |
| Tier 1 risk-based capital ratio | 9.2397% | 7,578 |
| Total risk-based capital ratio | 10.4988% | 7,565 |
| Memoranda: | ||
| Average total assets | $468,434,000 | 1,515 |
| Average earning assets | $436,706,670 | 1,479 |
| Average equity | $35,065,000 | 1,935 |
| Average total loans | $375,279,670 | 1,323 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1411% | 1,793 |
| Cost of funding earning assets | 2.5843% | 1,614 |
| Net interest margin | 3.5569% | 4,498 |
| Noninterest income to average assets | 0.2237% | 6,681 |
| Noninterest expense to average assets | 2.4242% | 6,115 |
| Loan and lease loss provision to assets | 4.8510% | 174 |
| Net operating income to assets | -2.2793% | 7,720 |
| Return on assets (ROA) | -2.2793% | 7,720 |
| Pretax return on assets | -3.7266% | 7,873 |
| Return on Equity (ROE) | -30.4755% | 7,910 |
| Retained earnings to average equity (ytd only) | -30.4755% | 7,863 |
| Net charge-offs to loans | 2.5321% | 550 |
| Credit loss provision to net charge-offs | 236.3749% | 1,957 |
| Earnings coverage of net charge-offs (x) | 0.5479% | 4,554 |
| Efficiency ratio | 68.3142% | 4,908 |
| Assets per employee ($millions) | 4.5868% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3580% | 353 |
| Loan loss allowance to noncurrent loans | 147.3837% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 2.3259% | 2,469 |
| Noncurrent loans to loans | 2.2784% | 2,887 |
| Net loans and leases to total assets | 76.6391% | 2,133 |
| Net loans and leases to deposits | 104.2652% | 990 |
| Net loans and leases to core deposits | 126.2120% | 1,904 |
| Total domestic deposits to total assets | 73.5041% | 6,966 |
| Equity capital to assets | 7.2250% | 7,543 |
| Core capital (leverage) ratio | 7.3207% | 7,359 |
| Tier 1 risk-based capital ratio | 8.7922% | 7,881 |
| Total risk-based capital ratio | 10.0672% | 7,926 |
| Memoranda: | ||
| Average total assets | $472,071,000 | 1,517 |
| Average earning assets | $441,286,500 | 1,470 |
| Average equity | $35,307,000 | 1,937 |
| Average total loans | $382,612,000 | 1,303 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2235% | 698 |
| Cost of funding earning assets | 2.9997% | 1,863 |
| Net interest margin | 4.2238% | 2,211 |
| Noninterest income to average assets | 0.4192% | 5,308 |
| Noninterest expense to average assets | 2.3853% | 6,445 |
| Loan and lease loss provision to assets | 0.6804% | 2,137 |
| Net operating income to assets | 0.8146% | 3,369 |
| Return on assets (ROA) | 0.8146% | 3,209 |
| Pretax return on assets | 1.2714% | 2,404 |
| Return on Equity (ROE) | 10.2867% | 2,163 |
| Retained earnings to average equity (ytd only) | 6.1603% | 1,462 |
| Net charge-offs to loans | 1.8950% | 580 |
| Credit loss provision to net charge-offs | 42.3236% | 6,431 |
| Earnings coverage of net charge-offs (x) | 1.2142% | 5,522 |
| Efficiency ratio | 54.9982% | 7,150 |
| Assets per employee ($millions) | 4.4068% | 2,780 |
| Cash dividends to net income (ytd only)* | 40.1142% | 3,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4296% | 739 |
| Loan loss allowance to noncurrent loans | 221.1480% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 1.4365% | 3,336 |
| Noncurrent loans to loans | 1.0986% | 4,363 |
| Net loans and leases to total assets | 80.8218% | 1,486 |
| Net loans and leases to deposits | 115.4228% | 551 |
| Net loans and leases to core deposits | 140.8548% | 1,219 |
| Total domestic deposits to total assets | 70.0223% | 7,274 |
| Equity capital to assets | 7.7387% | 7,165 |
| Core capital (leverage) ratio | 7.9253% | 6,610 |
| Tier 1 risk-based capital ratio | 9.0471% | 7,750 |
| Total risk-based capital ratio | 10.3105% | 7,718 |
| Memoranda: | ||
| Average total assets | $451,383,800 | 1,520 |
| Average earning assets | $418,701,600 | 1,490 |
| Average equity | $35,745,200 | 1,882 |
| Average total loans | $382,897,600 | 1,265 |